Phase 1 · 80 acres · Ambergris Caye
228 titled lots,
228 titled lots,
five minutes from
downtown San Pedro.
Laguna Bay is the newest 80-acre master-planned community on Ambergris Caye - 228 residential and 25 commercial lots, 26 of them lagoon-front. Phase 1 is releasing now, with 70% developer financing at 7% fixed for up to ten years. We're an independent referral partner.
- Lots from
- $149K
- Down
- 30%
- Rate
- 7% fixed
- Term
- 10 yrs
Interactive Master Plan
Hover a tier · drag to pan · scroll to zoom
The master plan shows four lot tiers: standard residential, lagoon-front residential, commercial, and future phases.
Master plan © Laguna Bay Development. Reproduced as an independent referral partner.
Phase 1, three tiers, plainly priced
Click a tier. Plot the financing.
Phase 1 of Laguna Bay is enumerated and finite. 30 lots in the lagoon-front strip (152–180), 30 standard residential (181–210), and 25 commercial parcels with paved road access. Approximately 95% of all lots feature both road and canal frontage. Residential utilities scheduled within ~6 months; commercial utilities are in.
Standard Residential
$149,000
~$1,211 / mo
Plot this tier
Lagoon-Front Residential
$159,000
~$1,294 / mo
Plot this tier
Commercial
$550,000
Cash or quote
Plot this tier
Financing, direct from the developer
Skip the bank.
The numbers, live.
Belizean banks rarely lend to non-residents. Laguna Bay's developer financing is the cleanest path for foreign buyers. 70% financed at 7% fixed for up to 10 years on residential lots. Drag the sliders. Numbers update live.
Lot price
$149,000
Down payment
30%
Term
10years
Interest rate · 7% fixed · residential lots only
Why Laguna Bay, the case, plainly
Most Belize lots fail one of four tests.
These pass all four.
We don't represent every Belize development. We took a hard look at this one because of the combination below, title quality, financing terms, planning protection, and access. Each on its own is unremarkable. Together, they're rare on the island right now.
01 · Title
Full Fee Simple. Not national land.
Lots are individually subdivided and sold under Full Fee Simple title in accordance with Belizean law. The single most important diligence question. “is this registered land?”, has the right answer here.
02 · Financing
70% direct financing. Skip the bank.
30% down, 7% fixed, up to 10 years on residential lots. Monthly payments start around $1,211 on the entry tier. There is essentially no conventional mortgage market for foreign buyers in Belize, this matters more than it sounds.
03 · Master plan
80 acres, zoning-protected.
Zoned for residential, commercial and protected open space. The internal mix is fixed by the master plan, which limits the “neighbour builds a bar next door” risk that haunts most island lots bought in isolation.
04 · Access
Road + canal. 95% of lots.
Approximately 95% of lots feature both road and canal frontage. That means boating access from your back yard and vehicle access from your front, a combination that compounds both build flexibility and resale optionality on Ambergris Caye.
The Process, how a referral purchase moves
From enquiry to title in your name.
Foreign buyers have the same ownership rights as Belizean citizens. Our role is the warm introduction, the diligence checklist, and a single point of contact across the developer, your independent attorney, and the Land Registry.
-
I
The enquiry
Short form below, lot interest, financing path, timeline. We reply within 24 hours, usually faster, with a curated lot shortlist and the digital brochure.
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II
The introduction
Tagged warm introduction to the Laguna Bay sales team, you stay attributed to us, and your price is the developer's standard list price. No middleman markup.
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III
Virtual tour & site visit
Full 360° virtual tour first. If you're serious, we coordinate a site visit, flights, transport to the lot, time with the development team and an independent Belizean attorney we trust.
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IV
Reservation & due diligence
Reservation on a specific lot, deposit into attorney escrow (never the developer's account), title search at the Belize Land Registry, encumbrance check, and survey verification.
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V
Stamp duty & close
Stamp duty (8% over BZ$20K for foreign buyers), transfer documents signed, balance paid or financing agreement signed, title filed at the Land Registry. A caveat protects your interest during recording.
Phase 1 is pre-construction for utilities. Residential power, water and internet are scheduled in roughly six months. You're betting on the developer's execution on that timeline. We say so up front because if that risk doesn't suit you, the right call is to wait for Phase 2, and we'll tell you that on the call.
Common Questions
The questions you should be asking. Plainly answered.
These are the questions every honest buyer asks before wiring money to a Belize development. If yours isn't here, ask in the form below, every enquiry gets a written answer.
Can foreigners actually own this land?
Yes, without restriction. Belize is one of the few countries in the region where foreign buyers have the same property ownership rights as citizens, enshrined in the Constitution and the Alien Landholding Act. You buy it, your name goes on the title, no local partner or trust required.
What's the ownership structure of the lots?
Each lot is individually subdivided and sold under Full Fee Simple title. Clear title is provided in accordance with Belizean law, and recorded with the Belize Land Registry. This is the “registered land” standard you want, not national land, not a lease.
How does the developer financing work?
30% minimum down payment. The developer finances the remaining 70% at a 7% fixed annual interest rate, for up to 10 years. Available on residential lots. Example: a $149,000 lot with 30% down ($44,700) financed over 10 years at 7% works out to roughly $1,211 per month. Use the calculator above to plot any combination.
What infrastructure is in place today?
Commercial lots have paved concrete road access plus live municipal utilities, water, electricity, and high-speed internet. Phase 1 residential utilities are scheduled for completion in approximately six months. Approximately 95% of all lots have both road and canal frontage.
What are the total closing costs?
Foreign buyers should budget 10–13% of the purchase price for total closing costs, primarily 8% stamp duty (the first BZ$20K is exempt), ~2% independent attorney fees, plus survey, recording, and miscellaneous. We walk through every line item before you wire a deposit.
Why use you instead of going to the developer directly?
You can absolutely go direct, and the price is the same either way, the developer's list price doesn't change. We add value in three places: a written diligence brief on the development, an independent attorney recommendation that isn't conflicted, and a real human who reads every message. We're paid a referral fee by the developer at close. We disclose this on every page.
What happens after I submit the form?
You get a written reply within 24 hours, the digital brochure, and a brief shortlist of the lots most relevant to your goal. If we're a good fit, we tag you as our referral with the Laguna Bay sales team and stay involved through close. If we're not, we say so.
Reading, for the research buyer
Long-form, written to be actually useful.
Twenty-five field guides on buying property in Belize as a foreigner. Not blog filler. Written to be read on a rainy Tuesday evening, with a cup of coffee and a list of real questions. Start with the complete guide.
The Complete Guide to Buying Real Estate in Belize as a Foreigner.
Foreign ownership rules, registered vs, national land, the step-by-step purchase process, real closing-cost numbers, timeline, and the red flags that mean you should walk away.
Read the guideThe seven biggest mistakes foreign buyers make.
From signing the seller's attorney to wiring deposits outside escrow. The patterns we see go wrong, and how to avoid each one.
ReadLand vs, a built property, which actually wins?
The financial and lifestyle case for buying a lot and building, versus paying a premium for a finished home.
ReadClosing costs in Belize, itemised.
Every line on the closing statement, stamp duty, attorney fees, survey, recording, GST. No surprises at the wire.
ReadThe Torrens title system, explained.
Why Belize's land registry is structurally different from the U.S, system, and why that's good news for foreign buyers.
ReadThe QRP programme, one year in.
Belize's Qualified Retired Person residency, what it gets you, what it doesn't, and who it's wrong for.
ReadStart the conversation
Tell us what you want this lot to do for you.
We'll come back with a real shortlist.
Not a drip-sequence. Not a chatbot. One person reads every message that comes in - usually within a few hours, always within a day. Include as much or as little as you like.
- Written reply
- Within 24h, seven days a week.
- First call
- Booked at your time zone, not ours.
- Buyer fee
- None, our side is paid by the developer at close.